Analyst Concall
Bk of Baroda eyes loan growth of 11-13% FY26, deposits 9-11%
This story was originally published at 21:38 IST on 30 January 2026
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--Bank of Baroda: Aim to keep liquidity coverage ratio around 120%
--Bank of Baroda: Aim for loans to grow at 11-13%, deposits at 9-11% in FY26
--Bank of Baroda: Aim to keep CD ratio in 80-84% range going forward
By Shweta and Kabir Sharma
MUMBAI – Bank of Baroda aims to maintain its loan growth at 11-13% in the current financial year, its management said in a conference call with analysts after the December quarter earnings announcement. "The credit guidance continues to be 11-13%...which we have done this quarter and possibly we would be able to do it (for 2025-26)...and deposit is to be 9-11%," Managing Director and Chief Executive Officer Debadatta Chand said.
Bank of Baroda posted a net profit of INR 50.55 billion for the December quarter, up over 4% on year and over 5% on quarter. The lender's total income for the quarter was INR 353.50 billion, up nearly 2% on year and nearly 1% on quarter.
The bank's global advances rose 14.7% to INR 13.45 trillion as on Dec. 31. Its domestic advances rose 13.6% on year to INR 10.97 trillion. Global deposits rose 10.3% on year to INR 15.47 trillion as on Dec. 31 and domestic deposits rose 11.1% on year to INR 13.07 trillion.
On the liquidity coverage ratio, the management said that it is comfortable around the current level. "As long as the LCR is comfortable, we are not very focussed on the ratio...our target (for LCR) is always to operate around 120%." The lender has maintained a healthy liquidity coverage ratio of 116% for the December quarter.
The management said the bank's credit deposit ratio has been operating at over 80%. "And this (Oct-Dec quarter, the global is 86% and the domestic is 83%...domestic will be comfortable in the range of 82%-84%," it said. On Friday, shares of the bank closed at INR 299.40 on the National Stock Exchange, down over 1% from the previous session. End
Edited by Ashish Shirke
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